If you are living in New York and are looking for a good Credit Union to get a decent rate on a Regular or IRA CD, you should check out Visions Federal Credit Union.

5 year = 3.565 APY
3 1/2 year = 3.05% APY
2 /2 years to 41 Month = 2.28% APY
32 Month IRA Super saver 3.05% = 3.05% APY
15 month = 2.53% APY
1 year to 29 month = 2.02% APY
6-11 month =1.41% APY
91 day = 1.21% APY
Minimum opening balance of $500 or $2500, depending upon selection.

Eligibility to join this credit union is for those who live or work in Broome, Chenango, Tioga, Chemung, Schuyler (NY), the City of Syracuse, or Bradford County, (PA)
.

Visions Federal Credit Union is headquartered in Endicott, NY. They have branch locations in the following cities.
Binghamton, Elmira, Endicott/Endwell, Horseheads, Johnson City, Newark Valley, norwich, Owego, Spencer, Syracuse, Tel-A-Branch, Vestal, and Watkins Glen. Pennsyvania has branches in Syre and Wysox.

Visions Federal Credit Union has a 5 star “superior” rating with Bauerfinancial based on financial data from 12/31/09. Their website is www.visionsfcru.org. The toll free number is 800-242-2120.

Disclaimer
This post is meant for the individual consumer and does not guarantee accuracy at the time of your reading. Please contact the financial institution directly for more information.